How Much Does Auto Insurance Cost in Kansas on Average?
- In Kansas the average cost for state minimum liability car insurance is $72 a month or $870 a year. You can expect to pay $259 a month or $3,108 a year for a full coverage policy.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Kansas – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in Kansas
- In Kansas, on average the cheapest car insurance companies are Progressive, State Farm and Farm Bureau. State minimum liability car insurance starts at $51 a month or $608 a year with State Farm. Full coverage policies start at $161 a month or $1,937 a year with American Family Insurance.
Here is a breakdown of average costs from the cheapest local insurance providers in Kansas from our data set of used-car drivers who are single, middle aged and have a clean driving record.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| Progressive | $608 | $51 | $2,873 | $239 |
| State Farm | $659 | $55 | $2,448 | $204 |
| Farm Bureau | $844 | $70 | $3,612 | $301 |
| American Family | $924 | $77 | $1,937 | $161 |
| Farmers Insurance | $951 | $79 | $3,187 | $266 |
Car Insurance Costs in Kansas by City
Use the drop down list to see the average cost guide pages for popular cities in Kansas to dig in deeper as well as a quick glance data table of car insurance rates by city.
KANSAS CITIES COST GUIDE LIST:
| Kansas City: | State Minimum Liability: | SM Monthly: | Full Coverage Policy: | FC Monthly: |
|---|---|---|---|---|
| Derby | $819 | $68 | $2,805 | $234 |
| Dodge City | $691 | $58 | $3,198 | $266 |
| Emporia | $650 | $54 | $2,688 | $224 |
| Garden City | $714 | $60 | $3,211 | $268 |
| Gardner | $769 | $64 | $2,541 | $212 |
| Hutchinson | $729 | $61 | $2,810 | $234 |
| Junction City | $692 | $58 | $2,680 | $223 |
| Kansas City | $870 | $72 | $3,108 | $259 |
| Lawrence | $766 | $64 | $2,603 | $217 |
| Leavenworth | $793 | $66 | $2,842 | $237 |
| Leawood | $839 | $70 | $2,659 | $222 |
| Lenexa | $812 | $68 | $2,629 | $219 |
| Manhattan | $687 | $57 | $2,620 | $218 |
| Olathe | $817 | $68 | $2,616 | $218 |
| Overland Park | $834 | $69 | $2,659 | $222 |
| Prairie Village | $842 | $70 | $2,676 | $223 |
| Shawnee | $816 | $68 | $2,650 | $221 |
| Topeka | $756 | $63 | $2,774 | $231 |
| Wichita | $858 | $72 | $3,009 | $251 |
State Minimum Liability Requirements in KS
With lots of Midwestern open space, Kansas drivers spend plenty of time on the open road. According to the Kansas Department of Transportation, there were more than 60,000 car accidents, and nearly one in five of those accidents were caused in part by distracted drivers. Kansas is one of 12 “no-fault” insurance states. This means that no matter who is at fault in a car accident that results in minor injuries, the separate insurance companies pay the medical expenses of the people they insure.
Here are the required minimums of coverage for Kansas liability auto insurance:
- $10,000 per accident for property damage.
- $25,000 per person for bodily injury.
- $50,000 per accident for bodily injury.
- $4,500 per person for medical expenses.
- $25,000 per person for uninsured/underinsured motorist per person.
- $50,000 per person for uninsured/underinsured motorist per accident.
The two other primary types of coverage are collision and comprehensive insurance. Collision pays for damages to your car in an accident. Comprehensive coverage pays for car repairs from high winds, hail, floods, theft, vandalism, and other random events.
Kansas Car Insurance Rates by County
The average policy costs for a driver in Kansas vary, here is a breakdown by county of what you can expect to pay for an auto insurance policy by and vehicle type in KS:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Allen | $1,114 | $940 | $1,033 | $1,084 | $1,215 |
| Anderson | $1,104 | $931 | $1,023 | $1,093 | $1,205 |
| Atchison | $1,143 | $964 | $1,069 | $1,126 | $1,231 |
| Barber | $1,206 | $1,017 | $1,118 | $1,171 | $1,316 |
| Barton | $1,215 | $1,028 | $1,123 | $1,111 | $1,329 |
| Bourbon | $1,114 | $940 | $1,033 | $1,093 | $1,215 |
| Brown | $1,042 | $879 | $970 | $1,052 | $1,132 |
| Butler | $1,111 | $938 | $1,038 | $1,132 | $1,199 |
| Chase | $1,032 | $870 | $959 | $1,058 | $1,122 |
| Chautauqua | $1,103 | $932 | $1,029 | $1,125 | $1,192 |
Ways to Reduce Kansas Auto Insurance Costs
Here are some suggestions for ways to keep your insurance costs as low as possible:
1. Shop around and compare prices from at least five companies. Some companies provide websites with everything you need to get quotes. Others require you to speak directly to an agent. Compare several quotes of each type using InsuranceQuotes to save time and money all in one place.
2. Maintain the best possible driving record you can. Drivers that have clean records with no violations in three years receive the best rates.
3. Keep your payments up to date. Insurance companies can cancel your coverage even if payment is only one day late. They may charge a fee to reinstate it or they can drop you altogether if they choose.
4. If adding a teen to your policy in Kansas, be aware that your rates will increase. However, insurance companies in the state offer a discount if the teen:
- Maintains a B average or higher in school
- Completes a state-approved safety driving course
5. If you have paid off your car and it is worth less than $3,000, you may not want to carry any collision or comprehensive insurance. Just remember you have to pay out of pocket for any damage, whether or not it is from an accident.
6. If your policy is over a year old, review it for possible changes. If you have married or one of your children has moved out of the house, most companies can reduce your rates.
7. Most insurance companies also provide discounts if you have other insurance with them like homeowners or renters. Bundling more than one car with the same company can also result in reductions.
Moving to Kansas: Important Information
If you are planning to relocate to The Sunflower State, some of the first actions you must take are to update your insurance, get your vehicle registered, and get a new driver’s license. Take care of the insurance first, since you need proof of insurance to register your car.
To register your car and get new license plates, the first step is to have your vehicle inspected at a Kansas Highway Patrol station. You take that paperwork with your proof of insurance and current title to a county motor vehicle office.
To get a Kansas driver’s license, visit a Kansas Department of Revenue licensing office. There is one in 104 of the 105 counties in the state. You will need to take a vision test and be sure to bring your proof of identity and proof of residence.
Understanding Driving Laws in Kansas
Driving laws in Kansas are similar to those in most other states. One of the most important involves drinking alcoholic beverages. The maximum blood alcohol level for adults is .08 percent, which is typical for most states. However, that limit drops to .02 percent for anyone under the age of 21. Even if the underage drinker is not driving, he or she risks loss of license for a minimum of 30 days.
Texting while driving is also illegal. Drivers that are licensed and not driving on a learner’s permit or intermediate license can legally talk on a cell phone, but are encouraged to use a hands-free device or pull over.
How Credit Scores and DUIs Affect Kansas Car Insurance Rates
Kansas insurers are permitted to use credit-based insurance scores when setting premiums, and the gap is one of the largest in the region: drivers with poor credit pay an average of $307 per month for full coverage, compared to $113 per month for drivers with good credit — a difference of about $194 per month, or roughly a 172% increase. A DUI conviction also raises Kansas rates sharply, with average increases of about 71% compared to a clean driving record. State Farm and Travelers tend to offer some of the more affordable options in Kansas for drivers working to rebuild their rate after a credit setback or a DUI.
Frequently Asked Questions About Kansas Car Insurance
Here are the most common questions Kansas drivers ask about auto insurance costs, requirements, and how to find the best rate.
Kansas drivers pay an average of $72 per month for state minimum liability coverage and $259 per month for full coverage, according to insuranceQuotes.com rate data. That works out to roughly $870 per year for minimum coverage and $3,108 per year for full coverage.
State Farm, Travelers, and Progressive are consistently among the cheapest car insurance providers in Kansas. Actual pricing depends heavily on driving record, credit, and coverage limits, so comparing quotes from several carriers is the best way to find your lowest rate.
Kansas requires liability coverage of 25/50/25 — $25,000 per person and $50,000 per accident for bodily injury liability, plus $25,000 for property damage. Kansas is a no-fault state, so drivers also need personal injury protection (PIP) coverage regardless of who caused an accident.
A DUI conviction in Kansas can raise rates by an average of 71% compared to a clean driving record, with minimum coverage after a DUI averaging around $1,105 per year. State Farm and Travelers tend to offer some of the more affordable options in Kansas for drivers with good credit and a DUI on their record.
Yes. Kansas insurers can use credit-based insurance scores when setting premiums, and the gap is one of the largest in the region: drivers with poor credit pay an average of $307 per month for full coverage, compared to $113 per month for drivers with good credit — a difference of about $194 per month, or a 172% increase.
Many Kansas insurers offer a discount for completing an approved defensive driving course, though the size of the discount varies by carrier. It’s worth asking your insurer directly, since this is one of the easier ways to reduce a Kansas car insurance premium without changing coverage.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
